(57) A wristwatch having a built-in verification data IC chip generates a password. A
portable terminal stores a first URL which specifies personal information of a user
stored in a personal server, and transmits the first URL to a settlement device. The
settlement device serves as a network access port for the portable terminal. The personal
server is a server which manages personal data of the user that is distinguished by
the first URL, and communicates with the settlement device and a service server via
a network. The service server is a server for performing processing distinguished
by a second URL. The service server executes the processing thereof by communicating
with the settlement server and personal server via the network. Thus, the user can
receive various types of services. Accordingly, a service providing system can be
used with a portable terminal that does not hold any personal information therein.
The invention is particularly useful in the fields of electronic payment systems,
electronic access systems for controlling the access of persons to restricted areas,
ticket vending systems, passage surveillance systems, road toll systems, and medical
record managing systems. Preferrably, personal verification is performed by checking
fingerprints, iris patterns, voiceprints or other predetermined portions of the person's
body.
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